Eagle Finl Svcs Inc Financials
Eagle Finl Svcs Inc (EFSI) reported $99.0M in revenue for fiscal year 2025, up 8.4% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Balance-sheet repair is more visible than earnings momentum, as rising cash and a thicker equity cushion matter more than topline growth.
Cash rose from$138.4M in FY2023 to$217.2M in FY2025 while liabilities moved lower, even though FY2025 net income finished below FY2023. That mismatch says liquidity rebuilding, a stronger equity cushion, and balance-sheet repair have advanced faster than reported earnings power.
Revenue kept expanding through FY2025, but net income fell from
Free cash flow reached
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Eagle Finl Svcs Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Eagle Finl Svcs Inc, and counted as zero in the overall score.
Eagle Finl Svcs Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Eagle Finl Svcs Inc generates $3.14 in operating cash flow ($25.8M OCF vs $8.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Eagle Finl Svcs Inc generated $99.0M in revenue in fiscal year 2025. This represents an increase of 8.4% from the prior year.
Eagle Finl Svcs Inc reported $8.2M in net income in fiscal year 2025. This represents a decrease of 46.5% from the prior year.
Eagle Finl Svcs Inc earned $1.59 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 63.2% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Eagle Finl Svcs Inc generated $24.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 37.2% from the prior year.
Eagle Finl Svcs Inc held $217.2M in cash against $69.6M in long-term debt as of fiscal year 2025.
Eagle Finl Svcs Inc paid $1.24 per share in dividends in fiscal year 2025. This represents an increase of 2.5% from the prior year.
Margins & Returns
Eagle Finl Svcs Inc's net profit margin was 8.3% in fiscal year 2025, showing the share of revenue converted to profit. This is down 8.5 percentage points from the prior year.
Eagle Finl Svcs Inc's ROE was 4.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 8.5 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Eagle Finl Svcs Inc invested $1.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 38.0% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
EFSI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $98.9M | $99.0M+8.4% | $91.3M+9.9% | $83.1M+2769666.7% | $3K-98.7% | $236K-99.4% | $38.9M+9.7% | $35.5M+11.1% | $31.9M+12.6% | $28.4M+10.0% | $25.8M+5.3% | $24.5M-1.4% | $24.9M-0.7% | $25.0M-5.8% | $26.6M-3.6% | $27.6M |
| SG&A Expenses | $41.7M | $33.2M+10.5% | $30.1M-0.8% | $30.3M+17.8% | $25.7M+17.7% | $21.9M+20.9% | $18.1M+20.3% | $15.0M+6.7% | $14.1M+3.2% | $13.6M+4.8% | $13.0M+5.7% | $12.3M+7.8% | $11.4M-0.2% | $11.5M+7.7% | $10.6M+0.2% | $10.6M |
| Interest Expense | N/A | $36.4M-9.2% | $40.1M+22.1% | $32.8M+500.0% | $5.5M+226.4% | $1.7M-48.9% | $3.3M-22.6% | $4.2M+68.5% | $2.5M+117.9% | $1.2M+8.2% | $1.1M-20.8% | $1.3M-29.6% | $1.9M-26.0% | $2.6M-23.6% | $3.4M-29.6% | $4.8M |
| Income Tax | N/A | $1.7M-51.9% | $3.6M+178.8% | $1.3M-59.5% | $3.1M+78.4% | $1.8M-17.3% | $2.1M+18.0% | $1.8M+37.7% | $1.3M-63.8% | $3.6M+42.0% | $2.6M+4.9% | $2.4M+17.6% | $2.1M-13.4% | $2.4M-6.7% | $2.6M+86.7% | $1.4M |
| Net Income | $18.6M | $8.2M-46.5% | $15.3M+64.0% | $9.4M-35.6% | $14.5M+31.8% | $11.0M-1.4% | $11.2M+14.5% | $9.8M+8.4% | $9.0M+15.6% | $7.8M+22.2% | $6.4M-7.6% | $6.9M-3.4% | $7.1M-0.3% | $7.2M+9.3% | $6.5M+51.6% | $4.3M |
| EPS (Diluted) | $3.46 | $1.59-63.2% | $4.32+62.4% | $2.66-36.2% | $4.17+30.3% | $3.20-2.1% | $3.27+15.1% | $2.84+9.2% | $2.60+16.1% | $2.24+23.8% | $1.81-8.1% | $1.97-5.3% | $2.08-1.4% | $2.11+7.7% | $1.96+49.6% | $1.31 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
EFSI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.9B+1.2% | $1.9B+2.2% | $1.8B+12.9% | $1.6B+24.1% | $1.3B+15.3% | $1.1B+28.8% | $877.3M+9.7% | $799.6M+4.4% | $765.8M+9.4% | $700.1M+7.2% | $653.3M+3.7% | $630.2M+7.5% | $586.4M-1.2% | $593.3M+4.4% | $568.0M |
| Cash & Equivalents | $217.2M+12.4% | $193.2M+39.6% | $138.4M+106.8% | $66.9M+4.4% | $64.1M-19.8% | $79.9M+137.4% | $33.7M+83.4% | $18.4M-48.8% | $35.8M+1.6% | $35.3M+51.9% | $23.2M-32.8% | $34.6M+142.7% | $14.2M-70.7% | $48.7M+121.9% | $21.9M |
| Total Liabilities | $1.7B-2.7% | $1.7B+1.7% | $1.7B+13.3% | $1.5B+27.0% | $1.2B+16.4% | $1.0B+31.3% | $781.0M+9.7% | $712.0M+4.4% | $681.9M+9.9% | $620.7M+7.9% | $575.1M+3.2% | $557.0M+7.1% | $520.0M-1.8% | $529.6M+3.9% | $509.9M |
| Long-Term Debt | $69.6M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $188.8M+58.7% | $119.0M+9.8% | $108.4M+6.5% | $101.7M-7.8% | $110.3M+5.0% | $105.1M+9.1% | $96.3M+10.0% | $87.6M+4.5% | $83.8M+5.5% | $79.4M+1.5% | $78.2M+7.0% | $73.1M+10.1% | $66.4M+4.2% | $63.7M+9.7% | $58.1M |
| Retained Earnings | $116.1M+1.8% | $114.0M+10.2% | $103.4M+3.2% | $100.3M+11.7% | $89.8M+8.8% | $82.5M+10.2% | $74.9M+9.2% | $68.6M+9.1% | $62.8M+8.0% | $58.2M+6.4% | $54.7M+8.1% | $50.6M+9.8% | $46.1M+11.1% | $41.5M+11.0% | $37.4M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities.
EFSI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $9.2M | $25.8M+37.3% | $18.8M+172.9% | $6.9M-50.2% | $13.8M-16.1% | $16.5M+49.5% | $11.0M-3.0% | $11.3M+845.1% | -$1.5M-116.3% | $9.4M-3.4% | $9.7M+35.4% | $7.2M-1.3% | $7.3M-11.4% | $8.2M-28.3% | $11.4M-2.6% | $11.7M |
| Capital Expenditures | $1.1M | $1.4M+38.0% | $1.0M-4.9% | $1.1M+27.8% | $838K+61.2% | $520K+14.0% | $456K-65.3% | $1.3M+204.2% | $432K+17.4% | $368K+43.2% | $257K-91.1% | $2.9M-3.1% | $3.0M+98.8% | $1.5M-32.2% | $2.2M+128.3% | $964K |
| Free Cash Flow | $8.1M | $24.3M+37.2% | $17.7M+205.7% | $5.8M-55.3% | $13.0M-18.6% | $15.9M+51.1% | $10.6M+5.1% | $10.0M+613.2% | -$2.0M-121.7% | $9.0M-4.7% | $9.4M+120.2% | $4.3M-0.1% | $4.3M-35.9% | $6.7M-27.4% | $9.2M-14.3% | $10.8M |
| Investing Cash Flow | -$49.4M | -$965K-105.8% | $16.7M+112.9% | -$130.3M+60.7% | -$331.3M-71.5% | -$193.2M+4.1% | -$201.5M-247.5% | -$58.0M-8.1% | -$53.7M+16.5% | -$64.3M-143.7% | -$26.4M+31.9% | -$38.7M-102.0% | -$19.2M+39.1% | -$31.5M-1839.9% | -$1.6M+75.4% | -$6.6M |
| Financing Cash Flow | -$211.8M | -$754K-103.9% | $19.3M-90.1% | $194.9M-39.2% | $320.3M+99.1% | $160.9M-32.0% | $236.7M+282.2% | $61.9M+64.4% | $37.7M-32.1% | $55.5M+93.0% | $28.7M+42.1% | $20.2M-37.2% | $32.2M+388.5% | -$11.2M-166.0% | $16.9M+498.7% | $2.8M |
| Dividends Paid | $6.7M | $6.1M+42.1% | $4.3M+1.7% | $4.2M+11.1% | $3.8M+16.8% | $3.3M+2.0% | $3.2M+6.7% | $3.0M+7.9% | $2.8M+4.7% | $2.7M+12.7% | $2.4M+14.1% | $2.1M+6.2% | $1.9M+1.8% | $1.9M+5.8% | $1.8M+2.3% | $1.8M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $271K |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
EFSI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 8.3%-8.5pp | 16.8%+5.5pp | 11.3% | 484033.3% | 4669.9% | 28.7%+1.2pp | 27.5%-0.7pp | 28.2%+0.7pp | 27.5%+2.8pp | 24.7%-3.5pp | 28.2%-0.6pp | 28.7%+0.1pp | 28.6%+3.9pp | 24.7%+9.0pp | 15.7% |
| Return on Equity | 4.3%-8.5pp | 12.9%+4.3pp | 8.6%-5.6pp | 14.3%+4.3pp | 10.0%-0.6pp | 10.6%+0.5pp | 10.1%-0.2pp | 10.3%+1.0pp | 9.3%+1.3pp | 8.0%-0.8pp | 8.8%-0.9pp | 9.8%-1.0pp | 10.8%+0.5pp | 10.3%+2.8pp | 7.4% |
| Return on Assets | 0.4%-0.4pp | 0.8%+0.3pp | 0.5%-0.4pp | 0.9%0.0pp | 0.9%-0.1pp | 1.0%-0.1pp | 1.1%0.0pp | 1.1%+0.1pp | 1.0%+0.1pp | 0.9%-0.1pp | 1.1%-0.1pp | 1.1%-0.1pp | 1.2%+0.1pp | 1.1%+0.3pp | 0.8% |
| Debt-to-Equity | 0.37-14.3x | 14.68-1.2x | 15.84+1.0x | 14.89+4.1x | 10.82+1.1x | 9.76+1.6x | 8.110.0x | 8.130.0x | 8.14+0.3x | 7.82+0.5x | 7.35-0.3x | 7.62-0.2x | 7.83-0.5x | 8.31-0.5x | 8.78 |
| FCF Margin | 24.6%+5.2pp | 19.4%+12.4pp | 7.0% | 432533.3% | 6753.8% | 27.1%-1.2pp | 28.3%+34.4pp | -6.1%-37.9pp | 31.7%-4.9pp | 36.6%+19.1pp | 17.5%+0.2pp | 17.3%-9.5pp | 26.8%-8.0pp | 34.8%-4.3pp | 39.1% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Eagle Finl Svcs Inc Ranks
Frequently Asked Questions
What is Eagle Finl Svcs Inc's annual revenue?
Eagle Finl Svcs Inc (EFSI) reported $99.0M in total revenue for fiscal year 2025. This represents a 8.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Eagle Finl Svcs Inc's revenue growing?
Eagle Finl Svcs Inc (EFSI) revenue grew by 8.4% year-over-year, from $91.3M to $99.0M in fiscal year 2025.
Is Eagle Finl Svcs Inc profitable?
Yes, Eagle Finl Svcs Inc (EFSI) reported a net income of $8.2M in fiscal year 2025, with a net profit margin of 8.3%.
How much debt does Eagle Finl Svcs Inc have?
As of fiscal year 2025, Eagle Finl Svcs Inc (EFSI) had $217.2M in cash and equivalents against $69.6M in long-term debt.
What is Eagle Finl Svcs Inc's net profit margin?
Eagle Finl Svcs Inc (EFSI) had a net profit margin of 8.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Eagle Finl Svcs Inc pay dividends?
Yes, Eagle Finl Svcs Inc (EFSI) paid $1.24 per share in dividends during fiscal year 2025.
What is Eagle Finl Svcs Inc's return on equity (ROE)?
Eagle Finl Svcs Inc (EFSI) has a return on equity of 4.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Eagle Finl Svcs Inc's free cash flow?
Eagle Finl Svcs Inc (EFSI) generated $24.3M in free cash flow during fiscal year 2025. This represents a 37.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Eagle Finl Svcs Inc's operating cash flow?
Eagle Finl Svcs Inc (EFSI) generated $25.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Eagle Finl Svcs Inc's total assets?
Eagle Finl Svcs Inc (EFSI) had $1.9B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Eagle Finl Svcs Inc's capital expenditures?
Eagle Finl Svcs Inc (EFSI) invested $1.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Eagle Finl Svcs Inc's debt-to-equity ratio?
Eagle Finl Svcs Inc (EFSI) had a debt-to-equity ratio of 0.37 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Eagle Finl Svcs Inc's return on assets (ROA)?
Eagle Finl Svcs Inc (EFSI) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Eagle Finl Svcs Inc's Piotroski F-Score?
Eagle Finl Svcs Inc (EFSI) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Eagle Finl Svcs Inc's earnings high quality?
Eagle Finl Svcs Inc (EFSI) has an earnings quality ratio of 3.14x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Eagle Finl Svcs Inc?
Eagle Finl Svcs Inc (EFSI) scores 23 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.